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90% LTV Mortgages

Mortgages if you have a 10% deposit or 10% equity in your home

I Want To Remortgage I Want To Buy

90% LTV Mortgages

    • 4.75% Initial
    • 5 year fixed
    • 7.2% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.78% Initial
    • 5 year fixed
    • 6.8% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.79% Initial
    • 5 year fixed
    • 7.4% APRC
    • Cashback Max £300
      Free Legals
      Free Valuation
    • Get quotes
    • 4.83% Initial
    • 5 year fixed
    • 6.9% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.83% Initial
    • 5 year fixed
    • 6.2% APRC
    • Cashback Max £350
      Free Legals
      Free Valuation
    • Get quotes
    • 4.85% Initial
    • 5 year fixed
    • 7.2% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.85% Initial
    • 5 year fixed
    • 7.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.88% Initial
    • 5 year fixed
    • 6.9% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.89% Initial
    • 5 year fixed
    • 7.4% APRC
    • Cashback Max £300
      Free Legals
      Free Valuation
    • Get quotes
    • 4.93% Initial
    • 5 year fixed
    • 6.8% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes

Representative example based on a fixed rate mortgage

A mortgage of £375,000 payable over 20 years initially on a fixed rate for 5 years at 4.38% and then at the standard variable rate of 7.65% for the remaining 15 years would require 60 monthly payments of £2,351.88 and then 180 monthly payments of £2,899.55.

The total amount payable would be £663,156.80 which includes interest and product fees of £1,124.

The overall cost for comparison is 6.5% APRC representative.

Early repayment charges may apply.

There are currently mortgage options if you have 10% equity or a 10% deposit.

The good news is that through our partners, we can access lenders who will consider a 90% LTV mortgage.

How To Get A 90% LTV Mortgage

Not all lenders offer 90% loan-to-value (LTV) mortgages and those that do have set criteria for determining whether they are happy to lend on this basis.

Things to be mindful of include:

  • Lenders will charge you a higher interest rate on your mortgage if you only have a 10% deposit. Increasing your deposit to 15% will help lower the cost of borrowing.
  • While some lenders will be happy to lend if you have a 10% deposit, their decision will be based on affordability criteria, such as your income, previous credit record, and the amount you wish to borrow.

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Still Haven't Found What You Are Looking For? Get Personalised Mortgage Quotes »